This is a classic FacetoFace class and we meet entirely in person. There will be no online discussions and if you have a question you can ask in class or email me at:
I will post handouts and hyperlinks to videos for the class on this web page which is accessible at the hosting URL
http://islandman.org/um/math103/.
So lets get started…
This is a fast paced mathematics course in an 8 week session.
I recommend you allocate approximately 20 hours per week to this course:
 Lecture = 6 hours per week
 Optional help session for one hour after each class = 2 hours per week
 Reading study, video watching, and homework = 12 hours per week or more if you are mathematically challenged
If you have a day job, I recommend that you enroll only in this course this session, because there will be a lot of homework. Unfortunately, UMUC is not enforcing the prerequisite for this course which is MATH012 and unprepared students may feel uncomfortable in this course. I give you this warning notification so you can properly allocate time for the course. The course has a common final exam for all UMUC sections worldwide. Therefore, I must remain on schedule to cover all topics.
UMUC has moved to free online resources to support all courses and Will Tenney a UMUC faculty member has written a 433 page eBook titled Math for Today’s World. The eBook contains examples and exercises for each section that we will use for the course. Answers to all odd numbered exercises are in the appendix at the end of the book. You are required to do the specified exercises at the end of each section, which will be odd numbered problems so you can check your answers. I have split this ebook in to multiple PDF files so you can simply download two chapters at a time and included bookmarks to aid in navigation for each chapter, sections, exercises and answers.
Please acquire the following items before the first class:
 Spiral notebook or ring binder for doing all homework
 Several pencils or better a 0.7mm mechanical pencil with soft HB graphite
 Good Eraser
 Buy a recommended multiline display Scientific calculator:
 Texas Instrument TI36X Pro Reference Manual @ AAFES Price = $18.99
 Canon F719SG Reference Manual @ MCX Price = $10.99
 or Texas Instrument TI30X IIS (solar) Reference Manual
 or Casio fx300ES Plus Reference Manual
 or Casio fx115 ES Plus Reference Manual
I recommend that you get started with Week 1 content today, by clicking Week 1 in the navigation bar above or scrolling down.
Robert Laurie
Week 1: Number Theory and the Real Number System
This week we will be covering the Real Number System which is covered in Chapter 1 of the Math103 Book:
 1.1 Signed Numbers and Order of Operation
 1.2 Prime Factorization, GCF, LCM
 1.3 Fractions also called Rational Numbers
 1.4 Square Roots and Irrational Numbers
 1.5 Exponents and Scientific Notation
The most important item to understand is the order of operation, which is described the acronym P E MD AS.
It is very important to do all assigned exercises in your homework notebook. Use enough paper to show the complete stepbystep process for each exercise. This is really for your benefit, so that you can track and learn from your mistakes. Chapter 1 is very important so that you have a firm foundation to build upon for the rest of the course. For the first week I have created a Chapter 1 Exercise Solutions handout, which provides more detail then the answer key in the appendix.
Please download and print the following before class:
 Print eBook Chapter 1 (70 pages) you need to view Chapter 2 and 3 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for sections, exercises and answers.
 Number Line Paper
 Computer Algebra versus Traditional Algebra Notation
 Slide Set 1: Section 1.11.2
 Slide Set 2: Section 1.31.4
 Slide Set 3: Section 1.5
 Chapter 1 assignment and my solutions to some of the odd exercises.
 Section 1.1 all odd exercises (1 through 75)
 Section 1.2 all odd exercises (1 through 21)
 Section 1.3 exercises: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57, 61, 65, 69, 73, 77, 81, 85, 89, 93, 97, 101, 103, 105, 107, 109
 Section 1.4 all odd exercises (1 through 45)
 Section 1.5 all odd exercises (1 through 75)
YouTube Video Links:
The focus for the first four weeks of the course is Algebra and links to informative YouTube videos for the Algebra content are displayed below:
 Algebra 1 2.01a  The Commutative Property 3m
 Algebra 1 2.01b  The Associative Property 9m
 Algebra 1 2.03a  Addition of Real Numbers 6m
 Algebra 1 2.03b  Adding Numbers with Different Signs 6m
 Algebra 1 2.04a  Subtraction 3m
 Algebra 1 2.04b  Distributing a Negative Sign 9m
 Algebra 1 2.05a  The Distributive Property, Part 1 10m
 Algebra 1 2.05b The Distributive Property, Part 2 11m
 Algebra 1 2.06a  Properties of Multiplication 11m
Read and reflect on the topic of Math Anxiety which is described on the web page: math.about.com/od/reference/a/anxiety.htm
Week 2: Algebra and Problem Solving
This week we will be covering Algebra and Problem Solving which is covered in Chapter 2 and 3 of the Math103 Book:
Chapter 2: Algebraic Expressions and Linear Equations
 2.1 Algebraic Expressions
 2.2 Simplifying Algebraic Expressions
 2.3 Solving Linear Equations
 2.4 Literal Equations (Formulas)
Chapter 3: Problem Solving
 3.1 Translation Problems
 3.2 General Strategy for Problem Solving
 3.3 Ratios and Solving Problems
 3.4 Percents
 3.5 Inequalities
Please download and print the following before class:
 Print eBook Chapter 2 and 3 (86 pages) you need to view Chapter 2 and 3 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for chapters, sections, exercises and answers.
 Slide Set 4: Chapter 2
 Slide Set 5: Chapter 3
 Chapter 2 and 3 Assignment. Answers at the end of eBook chapters 2 and 3 which can be accessed with bookmarks.
Chapter 2 Assignment Exercises Section 2.1: 1, 5, 9, 13, 17, 21, 25, 27, 29
 Section 2.2: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57
 Section 2.3: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37
 Section 2.4: 1, 3, 5, 7, 9, 11, 13, 15
Chapter 3 Exercise Assignment
 Section 3.1: 1, 3, 5, 7, 13, 15
 Section 3.2: 1, 3, 7, 11, 13, 15
 Section 3.3: all odd exercises (1 through 21)
 Section 3.4: all odd exercises (1 through 45)
 Section 3.5: 1, 3, 5, 7, 9, 11, 13, 15, 17, 19, 21, 25, 27, 29, 33
YouTube Video Links:
 Mathematics and sex  Clio Cresswell  TEDxSydney 13m
 Algebra 1 6.1a  Simplifying  What You Can and Cannot Cancel 5m
 Algebra Review 1.1  Simplifying Expressions 3m
 Algebra Review 1.2  Simplifying Expressions 2m
 Algebra Review 1.3  Simplifying Expressions 6m
 Algebra Review 2.2  Solving Equations 4m
 Algebra Review 2.3  Solving Equations 4m
 Algebra Review 2.4  Solving Equations 3m
 Algebra Review 9.1  Fractional Equations 4m
 Algebra Review 9.2  Fractional Equations 3m
 Algebra Review 9.3  Fractional Equations 5m
 Algebra Review 9.4  Fractional Equations 2m
 Prealgebra 7.1b  Changing Percents into Fractions 5m
 Prealgebra 7.1c  Converting Percents and Decimals 5m
 Prealgebra 7.1d  Changing a Fraction into a Percent 6m
 Prealgebra 7.2a  Solving Percent Exercises  An Introduction 9m
 Prealgebra 7.2b  How to Solve a Percent Exercise 9m
 Prealgebra 7.3a  Solving Percent Applications 6m
 Prealgebra 7.3b  Examples of Percentages in Calculations 6m
 Prealgebra 7.3c  Real World Percentage Examples 7m
 MathTV.com view topic list ALGEBRA > Simplifying Expressions.
Test 1 is scheduled for week 3 first class and will cover content from or eBook Chapters 1, 2, and 3. Test 1 is closed book, but you are permitted to bring in one half page of single sided handwritten notes that is 8.5 inches x 5.5 inches. I suggest you simply take a standard letter size paper and fold it in half. You can add to these notes in Test 2 and 3. You need to bring pencil, eraser, and calculator to Test 1. You may download and view Sample Test 1 available here with answers attached.
Week 3: Polynomials, Factoring, and Quadratic Equations
This week we will begin with Test 1 , which will cover content from eBook Chapters 1, 2, and 3. Test 1 is closed book, but you are permitted to bring in one page of handwritten notes on one side of an 8.5 inches x 5.5 inches area. You can add to these notes for test 2. You can download and view Sample Test 1 available here with answers attached. I highly recommend that you attempt to do the Sample Test 1 and target completion within the 1 hour time frame of the actual test 1.
You need to bring your own pencils, eraser, and calculator to Test 1 as they will not be provided.
After Test 1, we will continue with eBook Chapter 4 covering the topics of Polynomials, Factoring, and Quadratic Equations:
 4.1 Multiplying Algebraic Expressions and FOIL
 4.2 Factoring and Problem Solving by Factoring
 4.3 Quadratic Formula
A quadratic equation is a polynomial equation of second degree, having the general form:
The letters a, b and c are called coefficients: a is the coefficient of x^{2}, b is the coefficient of x, and c is the constant coefficient. A quadratic equation has two solutions (i.e., solutions for the unknown term x). In some cases, these solutions can have the same value. The values of the solutions can be computed using the quadratic formula as shown below:
For example, the solutions of the quadratic equation
can be determined by first substituting 2 for a, 14 for b, and 20 for c in the quadratic forumula
and then solving the expression, which gives the solutions of the equation as x = 5 and x = 2.
Please download and print the following before class:
 Math for Today’s World  Chapter 4 and 5 you need to view Chapter 4 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for chapters, sections, exercises and answers.
 MATH 103 Slide Set 6: Chapter 4
 Class Notes: Quadratic Equation ACMethod class smart board file.
 Chapter 4 Assignment. Answers at the end of eBook chapters 4 and 5 which can be accessed with bookmarks.
 Section 4.1: 1, 5, 9, 13, 17, 21, 25, 29, 33
 Section 4.2: 3, 7, 11, 15, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57, 61, 65, 69, 73, 77, 81, 83, 85
 Section 4.3: 1, 5, 9, 13, 17
YouTube Video Links:
 Prealgebra 10.1a  Introduction to Polynomials 6m
 Prealgebra 10.1b  Evaluating Polynomials 6m
 Prealgebra 10.2a  Adding and Subtracting Polynomials 9m
 Prealgebra 10.2b  Adding and Subtracting Polynomials 8m
 Prealgebra 10.3a  Multiplying Exponents 9m
 Prealgebra 10.3b  Raising an Exponent to a Power 6m
 Prealgebra 10.3c  Raising a Product to a Power 6m
 Prealgebra 10.4a  Multiplying Monomials 8m
 Prealgebra 10.4b  Multiplying a Monomial and a Polynomial 7m
 Prealgebra 10.4c  Multiplying Binomials 6m
 Prealgebra 10.4d  Multiplying Binomials FOIL Method 5m
 Prealgebra 10.4e  Multiplying Binomials 6m
 Prealgebra 10.5a  Factoring Polynomials 8m
 Prealgebra 10.5b  Factoring Polynomials 7m
 Prealgebra 10.5c  Factoring Polynomials 11m
 Algebra Review 4.1  Factoring 5m
 Algebra Review 4.2  Factoring 6m
The acMethod is a very systematic factoring method that allows you to factor trinomial mathematical expressions. Once you understand how to use the acmethod you can usually find the factors much quicker than FOIL. I found several videos on youtube.com covering the acMethod. Try working out the exercises illustrated in these videos to understand the stepbystep factoring process. Then try it on homework exercises.
 Intro to the AC Method Factoring A Trinomial 7m
 Factoring a Trinomial Using the AC Method 6m
 Factor using the grouping method. (or AC method) Pt(1) 9m
 Factor using the grouping method. (or AC method) Pt(2) 4m
Week 4: Graphing, Functions, and 2Variable Equations
This week we will cover eBook Chapter 5 topics:
 5.1 Graphs and Functions
 5.2 Graphing Linear Equations
 5.3 Solving Systems of Linear Equations
 5.4 Quadratic Functions
 5.5 Exponential Functions
 5.6 Logarithmic Functions
GeoGebra Classic 5 is a freeware graphing program that can be downloaded and installed from www.geogebra.org. It is helpful to to be able to graph various mathematical functions using graphing software and to check your homework solutions.
 Download and Install Geogebra Classic 5
 Geogebra Web App executes in browser
 My Geogebra video tutorial available here
 Geogebra Quickstart Guide
 Graph Linear Equation app:File
 Graph Quadratic Equation app:File
 Graph Exponential and Logarithm Equation app:File
Please download and print the following before class:
 Math for Today’s World  Chapter 4 and 5 you need to view Chapter 5 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for chapters, sections, exercises and answers.
 XY Graph Paper 4 per sheet and print copies as needed to do the homework.
 MATH 103 Slide Set 7: Chapter 5.13
 MATH 103 Slide Set 8: Chapter 5.46
 Earth Quake and Trajectory Exercises
 Chapter 5 Exercise Assignment. Answers at the end of eBook chapters 4 and 5 which can be accessed with bookmarks.
 Section 5.1: 1, 3, 5, 7, 9, 11, 13, 17, 21, 27, 29, 31, 33, 35, 39
 Section 5.2: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49
 Section 5.3: 1, 3, 5, 7, 9, 13, 17, 21, 25, 29, 33, 35, 37, 39
 Section 5.4: 1, 5, 9, 13, 17, 19, 21, 23
 Section 5.5: 1, 5, 9, 13, 15, 17
 Section 5.6: 1, 5, 9, 13, 17, 21, 23
YouTube Video Links:
 Prealgebra 9.3a  The Rectangular Coordinate System 9m
 Prealgebra 9.3b  Coordinates in Two Dimensions 9m
 Prealgebra 9.3c  Plotting Points in Two Dimensions 8m
 Prealgebra 9.4a  Equations with Two Variables 10m
 Prealgebra 9.4b  Ordered Pair Solutions to Equations 5m
 Prealgebra 9.4c  Graphing Linear Equations, Part 1 10m
 Prealgebra 9.4d  Graphing Linear Equations, Part 2 9m
 Prealgebra 9.4e  Horizontal and Vertical Lines 6m
 Algebra 2 2.01a  What is a Function 8m
 Algebra 2 2.01b  The Coordinate Plane 6m
 Algebra 2 2.01c  Graphing Functions and the Vertical Line Test 10m
 Algebra 2 2.01d  Function Notation 5m
 Graphing Quadratic Functions 8m
 Graphing Exponential Functions 15m
 Graphing Logarithm Functions 6m
Test 2 is scheduled for next class, and will cover content from eBook Chapters 4 and 5. Test 2 is closed book, but you are permitted to bring in one page of single sided handwritten notes that is 8.5 inches x 11 inches. You need to bring pencil, eraser, and calculator to Test 2. You may download and view Sample Test 2 from an earlier session.
Week 5: Financial Mathematics
Test 2 is scheduled for the first class, and will cover content from eBook Chapters 4 and 5. Test 2 is closed book, but you are permitted to bring in one page of single sided handwritten notes that is 8.5 inches x 11 inches. You need to bring pencil, eraser, and calculator to Test 2. You may download and view Sample Test 2 from an earlier session.
Financial Mathematics will be the topic this week and after Test 2 we will begin to discuss eBook Chapter 6 covering the following financial mathematics topics:
 6.1 Simple Interest
 6.2 Compound Interest
 6.3 Annuities
 6.4 Mortgages
Please download and print the following before class:
 Math for Today’s World  Chapter 6 and 7 You need to view Chapter 6 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for chapters, sections, exercises and answers.
 Slide Set 9: Chapter 6
 Chapter 6 Exercise Assignment. Answers at the end of eBook chapters 6 and 7 which can be accessed with bookmarks.
 Section 6.1: 1, 5, 9, 13, 17, 21, 25, 29, 33
 Section 6.2: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 39, 43
 Section 6.3: 1, 3, 5, 7, 9, 11, 13
 Section 6.4: 1, 3, 5, 7, 9, 11, 13
YouTube Video Links:
 Simple versus Compound Interest 2m
 Simple and Compound Interest 15m
 Compound Interest (Future Value) 15m
 Present Value Questions for Compound Interest 13m
 What Is An Annuity 5m
 Explaining Mortgage 3m
 Comparing the cost of new and used cars 7m
Week 6: Probability Theory
Probability Theory will be covered this week, with applications to situation analysis, risk tolerance, and gambling. We will be covering the following topics described in eBook Chapter 7 section numbers:
 7.1 Counting Rules
 7.2 Probabilities
 7.3 Complement Rule and Addition Rule
 7.4 Multiplication Rule and Conditional Probabilities
Please download and print the following before class this week:
 Math for Today’s World  Chapter 6 and 7 You need to view Chapter 7 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class. I added bookmarks to aid in navigation for chapters, sections, exercises and answers.
 Slide Set 10: Chapter 7.12
 Slide Set 11: Chapter 7.34

Formula Sheet is same as last week
 Chapter 7 Exercise Assignment. Answers at the end of eBook chapters 6 and 7 which can be accessed with bookmarks.
 Section 7.1: 1, 3, 5, 7, 9, 11, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49
 Section 7.2: 1, 3, 5, 9, 11, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57, 61
 Section 7.3: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49
 Section 7.4: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57, 61, 65, 69
YouTube Video Links:
 The Counting Principle, Permutations, and Combinations 8m
 Permutations and Combinations – Forming Numbers(Part 1) 9m
 Basic Probability 12m
Test 3 is scheduled for the next class, and will cover content eBook Chapters 6 and 7. Test 3 is closed book, but you are permitted to bring in the Formula Sheet. You need to bring pencils, eraser, and calculator to Test 3. You may download Sample Test 3 which I used in an earlier session.
Week 7: Statistics
Test 3 will be at the beginning of first class, so do not be late. It will cover content from eBook Chapters 6 and 7. Test 3 is closed book, but you are permitted to bring in the Formula Sheet. You need to bring pencils, eraser, and calculator to Test 3. You may download Sample Test 3 which I used in an earlier session.
Statistics will be the topic this week after Test 3. The Statistics content is in eBook Chapter 8.
Please download and print the following before class:
 Print eBook Chapter 8 if desired. You need to view Chapter 8 content in class so you could view on paper, a notebook computer, iPad, or Kindle tablet device in class.
 Slide Set 12: Chapter 8 I added bookmarks to aid in navigation for sections, exercises and answers.
 Formula Sheet is same as last week
 Chapter 8 Assignment. Answers at the end of eBook chapters 8 which can be accessed with bookmarks.
 Section 8.1: 1, 3, 5, 7, 9, 11, 13, 15, 17, 19
 Section 8.2: 1, 2, 3, 4, 5, 7, 9, 11, 13, 15, 17, 19, 21, 23, 25, 37, 39, 41, 43
 Section 8.3: 1, 3, 5, 7, 9, 11, 13, 15, 17, 19, 21, 23, 25
 Section 8.4: 1, 5, 9, 13, 17, 21, 25, 29, 33, 37, 41, 45, 49, 53, 57, 61, 65
 Section 8.5: 1, 3, 5, 7, 9, 11
Your calculator may have a Statistics (STAT) mode that would do the standard deviation calculation after all data values are entered with frequencies. Please consult your Calculator User Manual below:
 Texas Instrument TI36X Pro Reference Manual @ AAFES Price = $18.99
 Canon F719SG Reference Manual @ MCX Price = $10.99
 Texas Instrument TI30X IIS (solar) Reference Manual
 Casio fx300ES Plus Reference Manual
 or Casio fx115 ES Plus Reference Manual
YouTube Video Links:
 Mean, Median and Mode 11m
 Measures of Central Tendency 11m
 Measures of Spread 12m
 ZScores and Percentiles 11m
 The Normal Distribution 12m
Week 8: Final Exam Time
The Final Exam is the last class of the term. The Final Exam is comprehensive and any material covered in this eight week course may be on the Final Exam. The Final Exam is closed book, but you are permitted to bring in pencils, eraser, calculator, Formula Sheet and zScore Tables. An example Final Exam and Answers can be downloaded and viewed here.
Please bring your notebook contining homework, which I will examine for borderline grade cases. Please bring your Tests 1, 2, and 3 to me during the final exam time. I reexamine these tests when determining final grades if you are within a few points of the next grade in the course.
I hope you feel are more comfortable with mathematics after taking this course and you will find it a useful skill when you apply it in life situations. It is your best critical thinking skill to help you make financial decisions. Mathematics is the basis of technology development and understanding physical sciences. If you would like to progress in mathematics, please take the placement test and request MATH107 College Algebra. MATH107 is transferable to all universities and colleges.